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A short course of lectures
«The handy investing answer book»

What is "curb appeal"?SAVING FOR RETIREMENTWhat are some examples of data I can use from Case-Shiller Indices to understand a potential second home investment?What are the typical loan maturities for the lines of credit?How many people use the Internet to find economic or financial information?Why is "inflation risk" bad for my portfolio?What is the Federal Deposit Insurance Corporation (FDIC)?What is a "blue chip stock"?Are there certain investments that provide tax exemptions on gains at the state level?What must I consider before investing?What is the Standard & Poor's Indices Versus Active (SPIVA) funds scorecard?When I invest in a private company, on what type of financial information should I focus?What is The National Association of Personal Financial Advisors (NAPFA), and why is it an important resource when choosing a financial planner?INVESTING RESOURCESDo I have to pay taxes on my 401 (k) investments?What are typical cash outlays I should consider when owning a second home?What is a "custodial account"?What is a trend in the use of social networking in the individual investing industry?How many times has the list of Dow companies changed since its inception?What is a "commodity future"?What are some good personal finance blogs?Since it is difficult to analyze or even know the typical sales commissions we must pay on an insurance policy, how can I identify the sales commissions?Why is it good to be a "silent partner" in a business?What are "municipal bonds"?How much personal wealth was lost during the Crash of 2008?How much of an increase in the average price of stocks must occur in order to declare a bull market?What are "growth funds"?What is "correlation"?What is a "cost basis"?Why are permanent life insurance policies relatively more expensive?Can I give money to my children without incurring any tax liability?What are some future trends that we can see in the mutual fund business?How do I compute a company's free cash flow?TAXESWhat if my bank doesn't allow accounts for kids?What are some other strategies to assist us in saving money?What other assumptions does the rent versus own calculator make that we should consider?How does a mutual fund work?What might affect future growth rates in a company's earnings?How do I compute the total return?How many working households have no money saved for retirement?So should I steer away from considering commission-based financial planners?But what happens if I make a withdrawal from my retirement plan before I reach age S9VP.Why has the college rental market been historically stable compared with other types of rentals?What is "market risk"?How do I determine what component or functional area of my business affects the drivers the most?So if I have a great credit rating, I might get a card with better terms?What is a "life stage" or "life cycle" investment?How does the IRS define an investor?CORPORATE BONDS What is the best order of priority to pay off credit card debt?Isn't it easier for me to just have a financial adviser, so that I don't have to spend time learning about personal finance?What are some of the pitfalls of buying individual stocks?What if the investor would like to use an insurance policy as a tool to enable passing on a large (greater than million) estate?What percentage of people think "financial advisers" employed at a brokerage firm to sell are held to a fiduciary standard?What are some other considerations when I try to identify individual equity target companies?How does one obtain an SBA loan?Why use credit cards?What is a "Federal Pell Grant"?What is the S&P/Case-Shiller Home Price Index?What are some guidelines for creating a business, according to the IRS?What is an investment in a private company's debt?What is a "reverse stock split"?What effect did the 2013 government shutdown have on the U.S. economy?How do I buy individual stocks?When discussing real estate returns, what is a "cap rate"?Why are returns I generate from investments in cash relatively less than those in other investments, such as stocks or bonds?How is the Dow important to our understanding of the activity and performance of blue chip stocks?If I can't use ROI analysis to decide whether or not to engage in a social media campaign, how can I analyze the effectiveness of the campaign?Into what three groups can we categorize children who actually own stock?What is a "capital loss"?How can I misinterpret an indicator?What is a "Federal Work-Study grant"?What is "product liability insurance"?How much money flowed out of U.S.-listed bond mutual funds and bond exchange-traded funds in 2013?What is the "Upper Average"?What if I have other business loans available, such as a line of credit?How many people overdraw their accounts?What are other names for commercial real estate?Are there mutual funds that allow investors to diversify their portfolios and participate in the world of art investing?Is my money protected the same way in an online bank as in a traditional bank?What are some other important areas of commercial real estate development?What tools may investors use to evaluate risks of default?Are questionnaires available that may help people evaluate their tolerance for risk?INFLATION AND THE CONSUMER PRICE INDEXHow much must I accumulate in order to be considered wealthy?What is the Dow Jones Industrial Average (the"Dow"or"DJIA")?SAVING, MANAGING DEBT, AND BUDGETINGWhich colleges and universities use the FAFSA application to help finance a college or university experience?What percentage of America's entrepreneurs are "ethnic"?Why would a municipality default on its loans?Why should we not think about investing only as a subject for adults?Why should I avoid investments with "guaranteed returns"?What types of factors do investors normally consider when trying to choose between tax-exempt and taxable investments?What are the components of the Conference Board's Index of Lagging Indicators?Where else might I find palladium being used?Is a bond like an IOU?If the bonds I hold are in default because of the issuer's bankruptcy, might I still be able to retrieve my principal?What percentage of our IRAs are invested in mutual funds?How many homes are in foreclosure in the United States?What are "Treasury Bills"?TEACHING CHILDREN ABOUT INVESTINGHow much has the cost of a higher education increased?What steps can I take to minimize my credit card and other debts?What is a "home equity loan"?What does the IRS consider "net investment income"?How do we make children's savings goals easier to understand?What is the biggest consideration when it comes to saving for retirement?What is "default risk"?How much debt can I afford?How does having and maintaining an expense budget help attain my financial goals?What is another important point to teach children so they may begin to understand some basic principles of investing?What is a "short-term capital gain"?Why is it important to teach children about risk and reward when they begin to learn about investing?Are declines in prices also bad?Why are neutral colors so important when selling a house?INTEREST RATES Why do advisers like to use laddering techniques?What is a "closed mutual fund"?What does insider trading tell me as an investor?Why might I want to own a second home?How many different types of IRAs exist?What is a "mill levy"?What is a loan-to-value ratio?What is "marking to market"?What is a yield curve?What types of macroeconomic variables contributed to the developers' ultimate decision to invest in the project?What is the Conference Board, and why is it so important to the understanding of financial markets?How does the employment rate contribute to inflationary pressure?What is the average number of cards owned by each person?What is "principal"?How many sole proprietorships exist in the United States?By 2015, how big will the value of the market for ETFs be?What is a "Federal Perkins Loan"?Why might it be true that as interest rates rise, the stock market may not necessarily fall?May I change the name of the beneficiary on a college savings plan account?Why do I need professional guidance when exploring exotic investments such as virtual currency, derivatives, and credit swaps?NO-LOAD AND LOADED MUTUAL FUNDSHow do I calculate a risk/reward ratio?OTHER INVESTING OPPORTUNITIESDo I have to pay taxes on my 401 (k) account?What is a "Chartered Investment Counselor" (CIC)?Why am I so important when it comes to investing success?Why is timing the market controversial?What is the trouble with debt consolidators?SECOND HOMES What happens when the Federal Reserve changes the interest rate it charges to member institutions?What are a company's "assets"?What is "saving"?What is a back-end ratio?What is a "Price-to-Book Ratio"?Where do I report capital gains and losses when I file my taxes?What is the multiple listing service (MLS)?How do I open an online investment account?What are some red flags that may warn potential investors of problems when making a private investment?FINANCING SMALL BUSINESSES How can I protect my investments before I begin to invest?Should I ever buy CDs from a broker?What is the success record of the FDIC?What are some factors the IRS considers when allowing for certain types of expenses and deductions associated with a business?What else can I learn from comps?Why is understanding financial markets so important to everyone?What country is one of the largest buyers of gold?Why would I need business insurance?What about the analysis of the stock itself?What is Morningstar?What is the opposite of mortality risk?Why do producers of commodities use futures markets?Can I pay too much for stocks?How are Series EE Savings Bonds similar to Series I Savings Bonds?Why do life stage funds prefer to use indexes?Why use a bank?Why are real estate analysts cited by The Wall Street Journal worried for small college town rental property owners?What is an "asset allocation strategy"?How many credit cards exist in the United States?MONEY MARKET FUNDS How do I know if I will have enough money saved for my retirement?What is a "real estate investment trust"?What percentage of all online economic users feel they have learned something about our financial crisis?What are "loaded funds"?What is a "matching program"?What types of insurance do I need if I operate a home-based business?What impact does the Federal Reserve (the "Fed") have on bonds and equity investments?What is an "individual investor"?REAL ESTATE INVESTMENT TRUSTS (REITs)What other benefits do institutional investors have?What if I discover something about the house that makes it unacceptable to me?What percentage of municipal bondholders are individual people and mutual fund investors?According to FINRA, what types of conduct within the securities industry are unacceptable?Why should I buy a house?What other special orders can investors use to help secure a certain price or limit a potential loss?What are some warning signs that my debt may be a problem?What is the final category of funds?What financial topics are older children most interested in discussing with their parents?What are some of the biggest mistakes individual investors make?When must I begin to withdraw money from my 401 (k)?How many different financial planning certifications exist?Why is ICE so important to the investing community around the world?How do I easily calculate return on investment?What other services do banks provide?What is a very important consideration when thinking about investing?What if the municipal bond issuer defaults on the bond?What are "government bonds"?How many Americans invest in REITs?When did 401 (k) plans start?What is a "long-term capital gain"?How can I protect myself from fraud?What is an alternative strategy to using or obtaining a reverse mortgage?Are investment advisers or financial planners required to have credentials or certifications?What are some important questions to ask myself when managing the diversity of my portfolio?What about my commissions for executed trades? Are they deductible?What is Upper?What are the important market indexes for mutual funds in which I may invest?How important is the NYSE to global equities trading?What is an "expense ratio"?Why do individual investors like to invest in socially responsible forms of investing?What doesn't the FDIC insure?Why do experts suggest using online investing brokers?What if I find a financial planner who says his clients make huge returns on their investments?GOLD AND OTHER PRECIOUS METALS ONLINE TRADING What are a mutual fund's expenses?Why do investors invest in gold?How do I know if a prospective online bank is legitimate?When I am young and just beginning my career, what is the most important behavior that will help me when I am older?How many people own mutual funds?Who picks which stocks are components of the Dow?What is the main purpose of private equity investing?What is the theoretical risk-free investment, and why is it so important?How do I accurately compare the expenses to rent compared with owning a similar house?What types of companies issue corporate bonds?What is the first step to accumulate wealth and savings?What is the out-of-pocket method to calculate a return on investment in real estate?What if my child is not too interested in learning about investing?Why is price inflation so harmful to my retirement investments?What is the maximum amount I may contribute each year into a 401 (k) plan?Who are these institutional investors?What does being "long" or "short" in commodity futures trading mean?Why are some stocks with low prices specifically removed from the Dow?What is a "hedge fund"?How long should I hold an investment?What different types of money market funds exist?What is a "secured bond"?What percentage of undergraduates receive any type of financial aid to attend universities or colleges in America?Where do the highest and lowest number of high net worth individuals live?Under what circumstances should I decide to leave my financial adviser?What other local taxes are deductible?How fast is online banking growing?How many people are employed in the investment company business?What are the main reasons why people delay retirement?What does it mean to be "preapproved" for a loan?What is a "college savings plan"?Are there any online calculators that will allow me to calculate returns on potential real estate deals easily?How much time do American parents spend discussing financial matters with their children?How old is the concept of socially responsible investing?What are some of the greatest declines of the Dow during a bear market?What is "return on investment"?ONLINE BANKINGWhy should I use a financial planner?Is it easy to get a home equity loan?How can I get out of debt?If I have a balance of only ,000 on my credit card, with a 15% interest rate, and I only make the minimum payment of each month, how long will it take me to pay off the balance, and how much will it really cost me in the end?Why is it important to have proper documentation and legal agreement when I invest in a small business?What is the future trend for socially responsible investing?How will mutual fund companies cut costs, in order to compete with ETFs and offer more lower-cost investment products?On average, how long has a company been in business before it issues shares for the first time to the public?Which states have unusual tax laws regarding gains on investments?Specifically, what do ticker symbols indicate?How do respondents describe the state of being wealthy?Why else should I buy a house?How many states impose a state tax on capital gains?What are some top books on children and financial literacy?What happens when a bond issuer defaults on the bond?INVESTING VERSUS SPECULATION If I just make more money, would I still have to worry about my personal finances?Which states have flat-rate income taxes?What is "errors and omissions insurance"?Why is it difficult to see the survivability rates for new businesses?What is an "asset income multiple"?What are some of my main concerns as an individual investor when I think about managing my retirement portfolio?What is "fundamental analysis"?What is the survival rate for new companies?How do I find out if I have been delinquent in paying for my state taxes in previous years?What duration of time defines a bear market?Do I really need a financial adviser?Why do some experts believe the individual investor should avoid investing in individual stocks and mutual funds, and should rather invest in indexes such as the S&P 500?INVESTING IN ARTCERTIFICATES OF DEPOSIT (CDs) How can I save money on my homeowners' insurance?How much may I borrow under the Federal Perkins Loan program?How do I begin investing?With whom do children prefer to discuss money matters, Mom or Dad?What is "disability insurance"?What are the three main types of mutual funds?What is "campus-based aid"?Even before I establish goals, what are some things that experts believe help prepare me financially for successful investing?Are all government bonds safe?Why do we invest in bonds?What are some downsides to investing in commercial real estate, especially urban development projects?Are there any conflicts when it comes to SRI?Why are limit orders good to use?Must I pay taxes on savings bonds?What is a basic assumption of life stage investing?What is the difference between a Roth IRA and a Roth 401 (k)?Of the thousands of money market funds, how many have ever fallen below a net asset value of .00?What if my debt-to-income ratios are higher than average, and a lender still will give me a loan?How many financial planners are there in the United States?What are "blended funds"?If I already have a well-funded IRA or 401(k) retirement plan into which I automatically invest each month, do I really need life insurance?Why do some investors like EBITDA measurements and comparisons?What is my risk when investing in commercial real estate?What are "stocks"?What if my potential financial planner will not work with me because my portfolio is too small?What is "unsystematic risk"?What is an "Education IRA"?How many credit cards should I have?Why is location so important for rental investments?RETIREMENT TAXES How much cheaper are foreclosed houses than currently occupied houses on the market?Is purchasing an insurance policy ever a good investment?What effect does changing the capital gains tax have on our economy?Does a stockbroker make money on the stocks he directs me to buy?What are some other key considerations when deciding in which mutual fund I should invest?What factors should I consider when thinking about affordability?When I consider investing in mutual funds, why are expenses so important?Do I have to pay special capital gains taxes at the state level when I file my state income taxes?What are "hardship distributions"?When looking at comparisons of mutual funds, what is "performance"?What are some of the principal features of online brokerage accounts?What is a "closed-ended mutual fund"?What are some additional considerations?When must the homeowner pay back a reverse mortgage?What percentage of people do not invest in their company's 401 (k) program?Why do investors like to acquire a company's debt?How has the age of retirement changed over time?How much equity may a homeowner pull out in a reverse mortgage?How does fundamental analysis work?What percentage of a typical person's retirement plans are in the form of mutual funds?How do I know if I am not in control of my finances?If I am thinking of buying a house in a certain city, how can I find information about my target city online?What is the relationship between the interest rate and the stock market?What is a Direct Stafford Loan?What are some risks associated with corporate bond investments?Why is patience important to successful investing?How do I open a account?What is a 401 (k) plan?What is another key behavior that will help me in my retirement years?What are some common myths or beliefs that limit what I may earn as an investor?How do I compare expenses of mutual funds?How quickly do people form first impressions?Why would someone want to own a C corporation?What if I outlive the term of my term policy?If I have a much lower interest rate for my old credit card debt, by using the equity I have in my home, what else could be wrong with debt consolidation?Why should I get in the habit of paying myself first?What about other sources for small business loans?What is "dollar cost averaging"?At what age are children capable of understanding financial concepts such as the value and purpose of money?How many U.S. homes received foreclosure filings in 2010?How much real estate value disappeared during the decline of 2006 to 2010?What is one important consideration when I am thinking of investments at different points in my life?Should I document certain items I would like to have on my homeowners' insurance policy?Can I be overinsured on my homeowners' policy?What effect do the unemployed have on the self-employed?What is "professional liability insurance"?How can I compare the interest rates of different banks?What is the difference between a second home and an investment property?Why should I save my money?RETURN ON INVESTMENT (ROI)INDEX FUNDSWhat affects bond prices?What is an "IRA"?What is an "exchange-traded fund"?According to the SEC, what types of questions should I ask when trying to decide which broker to choose?How do I buy bonds?How do I identify a small company in which to invest?What percentage of small businesses are ultimately approved for a loan either to start or manage them?What is "mortgage fraud"?INSURANCEWhat investments are similar to money market funds?What makes REITs desirable investments?What is "shadow inventory"?Why do people seek the advice of financial planners?What are "value funds"?What do companies do with the money they make from selling bonds?What are some important variables I may use when comparing the quality of different bond investments?How do REITs generate their stated returns?What is the SBA CAPIines Program?What constitutes the Conference Board's Leading Economic Index?Why use a human broker instead of an online broker?Why do investment experts at JPMorgan Chase say that investing in art is considered an "investment in passion"?What else can I learn about the behavior of people who are very near retirement?How much money does the FDIC protect?If home mortgage debt rises, does that signal a turnaround in the real estate market?How do I begin to select individual stocks?What other insights does the Vanguard study show about investor attitudes?If I stay in my home, what should I do during a down market?What else is included in a disclosure statement?What is an interest-only loan?What are some strategies to reduce my tax burden when I retire?What types of mortgages are available to consumers for a home purchase?Do brokers know all about the investments they tell me to buy?THE BASICSHow do mutual funds provide for diversification?What is a "Traditional IRA"?What are the first steps to eliminate credit card debt?What is an "S" corporation?How popular is the use of online banks?CLOSED-ENDED MUTUAL FUNDS What is "systematic risk"?What are some examples of renting costs that I should anticipate?How important is it to have a goal in mind when I decide to create an expense budget?How does the IRS define the length of time that I hold assets or the age of my assets?What are "cyclical stocks"?What is a sole proprietorship?RENTERS' INSURANCEWhat is a "stock market"?What is the biggest difference between a prepaid tuition plan and a college savings plan?What are the steps involved to get a mortgage?How else do small business owners mistakenly use ROI analysis?How important are property taxes in deciding to purchase a home?What is another big assumption the IRS makes when determining whether to allow certain business-related expenses and deductions?MORTGAGESHow do I attract wealth in my life?What are some other hidden costs to art or antique collecting and ownership?What actions of the Federal Housing Administration (FHA) will affect the housing market in 2014?What important disclaimer must every investor in a small, privately held business consider before making an initial investment?What if a house doesn't appraise out?How does a valuation multiple help me understand the price paid to acquire a company, or to value a target company?How much may I contribute to a 529 Plan?Why are small businesses so important to the U.S. economy?What does my credit history have to do with my credit card interest rate?How do I decide which funds to choose?Among people who are retired, what percentage have no money to use for their retirement?What is a cash-on-cash return, and why is it so important?What is an important consideration when I think about investing for my retirement?How does a college savings plan work?Is owning a bond like owning a stock?If the target company has no debt, isn't an investment in equity less risky?If I am applying to different schools, must I submit a separate FAFSA application to each one?What types of specific regulations guide the establishment of a money market fund?What are some influential stocks used as components of many ETFs?What is the "spot value"?Why can acquiring a company be a great investment?What are "corporate bonds"?What are some of the top bond ratings organizations?How many U.S. households have credit cards?Why are index mutual funds or index ETFs preferred by many over buying individual stocks and actively managed mutual funds?LOCAL TAXES What is a "Federal Supplemental Educational Opportunity Grant" (FSEOG)?How do I make decisions to buy or sell if I am investing or speculating?What is a partnership?According to the ICI, the fees mutual funds charge their investors has fallen by half since 1990. This is due in part to the popularity of passively managed funds, as well as cost-cutting activities of actively managed funds.How do Americans find economic information?What percentage of real estate investment trusts are equity REITs, and what percentage are mortgage REITs?Why can teaching children about investing be so challenging?Why buy mutual funds?THE INVESTOR MINDSETWhat are some tips experts at Kiplinger's suggest for reinforcing saving concepts with young children?How much have overdraft fees been growing over the past few years?What are the two principal ways to acquire a private company?What are some creative ways in which parents may use allowances to educate their children on financial matters?What is a "health savings account"?When I buy an equity position in a company, what exactly am I buying?Why is affordability important when it comes to selecting a home?Can banks sell stocks and mutual funds?Do life cycle funds deliver appropriate returns to investors who are trying to invest for their retirement?What are some benefits of investing in multi-family apartments?Why are there so many questions on the FAFSA application?How can I use ROI techniques to analyze a small company's social media campaigns?Why are yields higher for corporate bonds than for government or municipal bonds?What is a "key" or "leading&quoquot; economic indicator?What are some decisions an individual investor must make before investing in a particular stock?Are corporate bonds risky?What are "cash flows"?What must an investor first consider before deciding to invest in a small, privately held company?What is "diversification"?What is the difference between "actual cash value" and "replacement cost coverage" in my renters' insurance policy quote?What about cash flow and real estate deals?What percentage of Americans saw their house equity decline from 2006 to 2009?How often do sellers reduce their prices?How do different sectors or genres of the art world perform as investments?How substantial is the difference between interest rates for loans and savings accounts at credit unions compared with interest rates for loans and savings accounts at banks?What is the midpoint, or median net worth, of families in America?How do parents use allowances for their children?Using principles of behavioral economics, how do men and women differ when it comes to investing?What are three common misperceptions about retirement?What percentage of online economic users use the Internet to find information on their homes' value?Do people spend more money on overdraft fees or vegetables during a year?What is a "reverse mortgage"?Should I ever borrow from my 401 (k)?HOME EQUITY What is a "ticker symbol"?How else do small business owners fund their companies?INVESTMENT EXPERTSWhat is a "futures price"?Who are some of the biggest lenders for private equity deals?How often do parents engage their children in discussing financial matters, such as saving and spending?How does homeowners' insurance work?Where do corporate bonds trade?What is the average amount of credit card debt for a typical American family?How might a small business use ROI analysis for strategic planning purposes?What types of bonds exist?What other precious metals are used as investments?Why will capital markets continue to need both short- and long-term capital?After the stock market turmoil of 2008 to 2009, what did one of the largest mutual fund companies in the world, Vanguard, find in its survey of over 3,000 U.S investors, age 21 to 79?What other considerations exist when attempting to choose the right mutual fund?Are there other "rent versus own" tools or calculators available online that may assist me in making these types of analyses?PRIVATE EQUITYWhat are some of the most important rules regarding obtaining distributions from my 401 (k) plan?After I decide my motivations for making the investment, what is the next logical step in deciding to invest in a small, privately held company?What types of questions should I ask myself in order to determine how much of my portfolio I should allocate to equities?Why are dwelling coverage limits tricky?What percentage of employees who learn of their employer's matching program actually direct enough money into their 401 (k)s to obtain the matching funds?When am I supposed to file Schedule B?What two states have not yet adopted UTMA?What is the maximum I can claim in a year as a capital loss?How will the use of benchmarks change how individual investors perceive their financial goals and objectives in the future?Why do people buy or collect art?What percentage of all Americans have contributed to content about the recession online?What are some other important steps experts also suggest you should consider when planning a real estate investment?What may happen to the stock market if interest rates decline?TREASURY BONDS AND TREASURY BILLSWhat is a rent-to-income ratio?What other subdivisions of mutual funds exist?What are the different types of business structures?Are corrections good for some investors?Why are tax-cost ratios important to our understanding of mutual fund expense loads?What are "money market funds"?Why do stocks and mutual funds have different betas?COMMERCIAL REAL ESTATE What is the Mei Moses Art Index?What does a financial planner do?What state has the highest sales tax?What is another popular approach to investing?How can I as an investor avoid fraud and scams while I am engaged in investing?Why create an expense budget?RISK/REWARD Why do some parents spend more time discussing financial matters with their children?What percent of Americans who are saving for retirement do not understand their investment choices?What kinds of information can help me understand and learn more about investing?What are some limitations to ROI analysis?What is the first step to obtain federal assistance for education?In what investment vehicles do life/health insurance companies readily invest?Why is the acquisition of a company a highly risky form of investing?Why do we use the term "life stage investing"?What factors do I need to contemplate when planning for different stages in my investing life?Why do small businesses borrow money?What is a "mutual fund"?What are six ways experts at The Wall Street Journal feel will help children begin to understand how to invest?What is "timing the market"?What is a "sales tax"?What is another general rule about location?What is discussed in a financial planner's meeting?What is the median number of mutual funds an individual owns?When I am considering an investment in an insurance policy, what are three issues with which I should be concerned?What is one the biggest challenges of small business ownership?How else might I find out if a company offers shares to the public for purchase?THE BASICSWhat is a "risk/reward ratio"?How does a prepaid tuition plan work?What is an "appraisal"?Are CDs a safe method to invest my cash?INVESTING IN A SMALL BUSINESSWhat is a "debt consolidator"?What is the "net investment income tax"?Why is it important to have a thoughtful exit strategy before I invest in a small company?INDIVIDUAL STOCKSWhat is a "budget"?What about bond interest rates?Why do commercial real estate deals often fail?What is the connection between bond prices generally and the health of the economic system in which I may invest?How old is the New York Stock Exchange?Must the sellers pay capital gains tax to the IRS?How might I participate in commodity trading without having to trade commodities directly?Why is budgeting so important to create wealth and financial success?How are Series EE Savings Bonds different from Series I Savings Bonds?What does the term "appraise out" mean?What is "real estate development"?After a child has mastered the concept of saving to meet financial goals, what else can I do to educate my child on the value of investing?What can I learn about my investment behavior, depending on my time horizon?How much money does the typical investor in today's market have in his mutual fund accounts?What are some important dynamics of investing in a business that every investor should consider before making the investment?Must I have personal financial software in order to be successful at managing my financial goals?What are "unit investment trusts"?How old are people who typically start technology-related companies?How much did developers pay for six parking lots in downtown Los Angeles in a recent commercial real estate deal?If you buy bonds through a broker, is there a commission?What is a "bank"?What do experts at Kiplinger's say is the best approach to teach children about investing?What is a "leveraged buyout"?INVESTING AND TAXES What federal filings must corporations file?Why is fiduciary responsibility important?What is a "market index"?What is a "Price/Earnings" Ratio?What are the best credit cards?Why should we be positive and neutral, as opposed to negative and emotional, when it comes to speaking about money with our kids?What are additional steps that I can take?.What is a "stock split"?STARTING A BUSINESS What is the first question the 1RS wants to know if I am interested in starting a business?What is "equalized value"?What is "general liability insurance"?Can a fund claim to be "no load," and yet still charge a load to investors?What should I do if my broker suggests an exotic investment?THE FUTUREWhat is the hidden cost of debt to an individual investor?What is another strategy that a company might employ to make its stock attractive to potential investors and current shareholders?How much money is currently under management by investment companies?How long must I pay for mortgage insurance with an FHA loan?Where else might I invest in precious metals?What are the most important rules to follow when buying a house?What are some reasons not to invest in an index fund?Can I open an online checking account?What percentage of small businesses are home-based businesses?What should I do if I wish to invest in an area in which my broker is unfamiliar?How do companies use an initial public offering to help support their continued growth?How many REITs exist?What about interest rates and their effect on housing prices?What does FINRA suggest I do after I have invested to work properly with my investment adviser?How is the FDIC funded?What is another important step in setting my financial goals?Why should I invest regularly?What does the American Institute of Certified Public Accountants (AICPA) feel is the most important step that parents should take to help their children to understand investing?Where can I purchase insurance for my home-based business?What percentage of people have less than a three-month expense cushion?How do small businesses finance their operations?Why do some people prefer to rent rather than own?Are municipal bonds a safe form of investing?What is "behavioral economics"?What is an "institutional investor"?How large is the IPO market at the NYSE?Are there any other factors to consider when investing in a company?Should I move out of my house when I am trying to sell it?How do I generally decide on what issues to focus when managing a small business?How does owning a house improve my net worth more than renting?MANAGING A SMALL BUSINESSLONG-/SHORT-TERM CAPITAL GAINS/LOSSESWhat affects the assessed value of a property?How does the Internet contribute to the prevalence of fraud within the investment community?Why are reverse mortgages controversial?CREATING WEALTHWhy should I read a mutual fund's prospectus?CREDIT CARD DEBTWhat is an "FHA mortgage"?What percentage of online economic users receive alerts or feeds about news and information pertaining to their investments?How is beta calculated?Where can I find information to help me compute EBITDA?What states have laws that allow cities to impose an income tax?What percentage of employees know about investing in their 401 (k) program at work?What is an "initial public offering" (IPO)?How many households own IRAs?Why use a debt-to-income ratio?Why use an online bank?Does commercial real estate fall into many sub-categories?What did experts at BlackRock—the world's largest global asset management company, serving both large institutional investors and individual investors—find in their landmark 2013 study of investor attitudes?Will the financial planner work with me alone, or with a team of other people?If I own a home-based business or a business that requires me to maintain a home office, may I deduct expenses related to this office?What are some important points to consider before investing in a mutual fund?What are some limitations of life stage investing?SOCIALLY RESPONSIBLE INVESTMENTS (SRIs)What is the future of investment advice?What percentage of banks offer mutual funds to their customers?What are the most basic elements to understand and evaluate the success of commercial real estate investments?What can I do to mitigate this inflationary risk?How much money is managed by mutual funds?What is the threshold interest rate that seems to signal a decline in the broad stock market?What is a "limit order"?How do I create an S corporation?What are some additional important IRS publications that may help me understand more fully the tax implications of my investments?What do average investors do that decreases their returns?What does the term "stockout” mean, when I trade in commodities?With what investments does art correlate?How many complaints does the SEC receive each year?When were the first mutual funds started in the United States?What kind of actions has FINRA taken to protect the investment community?When it comes to dividends that I may earn, how do I determine what taxes to pay?UNDERSTANDING FINANCIAL MARKETS What is "risk"?Why is real estate investment considered by many a relatively risky investment?INVESTING FOR RETIREMENT What are "tangible assets"?What is a "loss"?What is my "net worth"?How does a lender know the value of a house, if it is not for sale?Where did the term "blue chip stock" originate?What percentage of Americans do not have enough money saved for even six months of living expenses?What are some typical family budget categories?What key factors can make a real estate purchase attractive as an investment?EXPENSE RATIOSWhat are "capital gains"?Which states lead the nation in mortgage-related fraud?What must I do in order to live beneath my means?What is the difference between fees charged by credit unions and fees charged by banks?REAL ESTATEHow do I compute my return on investment?What is the first rule of using credit cards?What are some top real estate websites I can use to analyze current and past listings on my own?How much time is considered to be short-term, near-term, and long-term?What types of risks could I see if I own individual stocks?What are some top online stock trading sites?What is "staging"?Why is it important to pick the right agent to sell your house?What else can we see from these two groups of investors?Why is time so important in investing?Who sells art?Why is information overload a huge risk factor when I invest in individual stocks?What is the "Dalian Commodity Exchange"?Why is it important to start teaching kids about financial matters when they are young?Where is the least expensive place to rent in the United States?What did Jack Bogle, founder of the Vanguard Group, do to save and invest money for his children's college education?What are some examples of house purchase costs that I should anticipate?How low are today's mortgage interest rates?What percentage of a typical person's retirement plans is in mutual funds?When can my child have access to his UTMA account?When did the first credit union appear?Who is investing in mutual funds?How do I rebuild my credit history after filing for bankruptcy?What is a principal difference between a unit investment trust and a mutual fund?Isn't my money still at risk if it is invested in cash?How do I compute a company's EBIT?What affects the price of gold?Why bother to teach children about financial matters?What is a fixed-rate mortgage?What percentage of a household's financial assets are in the form of mutual funds?Why is it important to be preapproved for a loan?THE BASICSWhat are typical tax-cost ratios for mutual funds?What is a "cash cushion"?Are there any income restrictions for a 529 Plan?What drives the trends in commodity prices?FUTURES AND OPTIONS Under what circumstance could I pay more than a 20% capital gains tax?What percentage of Americans saw their portfolios decline during the period of economic decline 2008-2010?What is "private equity"?Why is debt management important to an investor?What is the average amount of credit card debt for U.S. card holders?How long have ETFs been available to investors?How many credit unions are in the United States?What is the difference between a financial planner and an investment adviser?What are the requirements to create an S corporation?What is a "SEP IRA"?Why can a mutual fund provide for more diversity of investments than any one individual investment?What is the downside of using a home equity loan?What are some other differences between closed-ended funds and ETFs?What are some other benefits to investing locally in a small business?What percentage of corporate-sponsored 401(k) plans include REITs as an investment option?What are some important factors when I decide to rent instead of owning my own home?What has been the average turnover rate of an equity mutual fund?What makes 401 (k)s great?DIFFERENCES BETWEEN TYPES OF MUTUAL FUNDSOn a macroeconomic level, how much building of college rental beds has recently occurred?What is an "open-ended fund"?How many partnerships exist in the United States?What is an "interest rate"?Are small business owners happy with their credit card terms (interest rate, fees, credit limits)?Why is it good to be an institutional investor?Why are indexes important to investors, even if we do not invest directly in them?What else is a corporation?What is a "Chartered Financial Consultant" (ChFC)?What is the maximum amount I am allowed to invest in Series EE or Series I Savings Bonds?Why were these machines called Stock Ticker Machines?Can I deduct capital losses?What is a "correction"?What about photographs and personal art?Why are business loans increasing?How might I analyze what I need for my retirement?Should I ask the potential financial planner what services he offers?What is "life insurance"?Do I need to take a medical exam to get life insurance?What organizations provide accreditation to stockbrokers?What percentage of high-net-worth individuals invest in fine collectible art?What is an expected family contribution?What are some basic steps that I can design in order to attain my personal financial goals?How much total debt should I have?How much money do banks and credit unions earn from overdraft fees?What is "gearing," or "leverage"?What are "no-load mutual funds"?What is "term life insurance"?How can I use beta analysis to help in my investment selection?How much income do I really need for my retirement?Why are fees and costs of mutual funds so important in deciding which fund to choose?As an investor or owner of a small business, why does proper management help me increase the return on my investment?What are some notable ETFs?What is a "Certified Financial Planner" (CFP)?What percentage of the total dollars invested in investment companies are in each type of investment company?BUDGETING Will a global stock exchange emerge?LIFE STAGE INVESTINGHow much money flowed into U.S. equity mutual funds and exchange traded funds in 2013?What is a "deductible"?Why are cash flow-based metrics important to analyze equities?How long does it take to resolve a credit card issue?What other types of mutual funds exist?Why use a credit union?What are some differences between a unit investment trust and an open-ended fund?What other tips should new real estate investors consider?What is a "turnover rate"?What is a "Debt-to-Equity Ratio"?What percentage of parents never discuss financial matters with their kids?What is a "derivative"?What influences my ability to save?What is the biggest risk in holding cash in the form of a CD?What about the success of high-performing mutual funds?What is a "cash account"?What are "intangible assets"?What are the biggest mistakes people make when using an adviser?Which stock market opens first?What is the biggest difference between an S corporation and a C corporation?Does my tolerance to risk depend on my age or stage in life?What are some fraudulent websites that purport to trade in futures and options?How many Americans do not have a bank account?What are some other reasons why I should diversify my investment portfolio?What is a "high net worth individual"?What types of economic indicators help me understand and evaluate local investment opportunities?INSURING YOUR HOME How much money does the IRS figure it loses each year because of incorrect filings of deductions and expenses related to small businesses that are, in fact, only hobbies?What about high-income taxpayers who earn short- or long-term capital gains? Are there additional considerations?Why do people like online banks?What is a "prospectus"?What information does a fundamental investor often review?What is a "C" Corporation?AVOIDING SCAMSHow do start-up businesses engaged in franchise activities use credit?What are some general factors that affect house prices?Should I ask if the planner is benefiting in other ways by directing me into a certain investment?Should I pay down my debts before I apply for a mortgage?Can I learn anything from visiting the websites of the stock exchanges themselves?How does tenants' insurance work?How many states increased their taxes from 2009 to 2010?Must I pay taxes on earnings from my investments?Why is it said that the art market is not transparent?Are U.S. government bonds safe?What are stock or share "buybacks"?How many households in America benefit from FINRA's services?INSURANCE AS AN INVESTMENT What is the relationship between beta and risk/rewards?When must I repay school loans?In what investments do life stage funds typically invest my money?SETTING YOUR INVESTING GOALSWhat does FINRA recommend we do to avoid scams and fraud related to our investments?How do I calculate my return on investment for real estate transactions?What is "mortality risk"?What does it mean to be "prequalified" for a loan?What is "preferred stock"?What are some limitations to using ROI models in order to understand my returns on real estate investments?Of all small businesses in the United States, how many are owned by women and various minorities?How does diversification reduce my risk?What does the term "irrevocable" mean?What was the highest interest rate for U.S.Treasury Bills?How can I find out how much house I can afford?FINANCIAL PLANNERS What is "online trading," and how does it differ from "day trading"?Why is EBITDA sometimes perceived as an unreliable metric to evaluate a company?What steps can I take to increase my available funds so that I may invest?What impact does small business have on the U.S. economy?How important are certifications when it comes to choosing a financial planner?Is my money available when I want it?How well has the second home market performed in recent years?(k)sWho is buying and selling art?THE FUTURE OF INVESTING What are some great financial sites that investment insiders use?What other types of special orders may help investors when executing trades?Why are people afraid to invest?What is the connection between prevailing interest rates and a bond's maturity?What is "private capital"?Does access to so much information come at another hidden price?What is a "portfolio"?Why should my goals be easily manageable?How do I realize any gains on my investment in a second home?How much money is invested in IRAs?What mindset helps me become financially successful?Who uses the CPI?Why is longevity risk sometimes considered a "silent" risk?How might I attribute costs associated with social media campaigns?Why do C corporation shareholders pay double taxes?What is a major factor in deciding how to invest as I near retirement?Who uses FHA mortgages?Why is dollar cost averaging a beneficial strategy for investing?What are some key steps to take in creating my business, after I consider the information above?What is a "Simple IRA"?How can I use this information when purchasing a home?What are some of the most important investment types?What is the minimum age for a child to open a bank account?What is "wealth"?How might the CPI be biased?What does the foreclosure rate mean for American home ownership?Why is knowing my net worth important to attain my financial goals?What are typical cash inflows in a commercial real estate investment?May I deduct capital losses on the sale of my personal property?What factors should I consider when choosing a broker or firm in which to invest my money?SMALL BUSINESS INVESTINGWhat is a "depressed" or "down" real estate market?How active are Americans in using the Web to find financial and economic information?What is the oldest company in the Dow?What are some other post-retirement benefits?What types of investment or financial products exist?Do higher rates of returns generally mean that my money may be more at risk?What is an "educational grant"?How might I locate the name of a legitimate debt consolidator?What is a "529 Plan"?Why do some people invest strictly in cash?Why do people dislike online banks?How do I know the terms and rules for a CD?Which states have the highest income tax rates (based on the highest tax brackets)?How do I know if a potential investment is fraudulent?When did mutual funds start?Why is understanding financial metrics, and corrections made as a result of understanding these metrics, important to successfully manage or invest in a small business?If I walk away from the deal before closing on a house, won't I be penalized?How else do businesses use ROI in their decision-making process?What are two main concerns that investors must consider before investing in any real estate deal?What is a "market order"?What happens if my losses are larger than my gains in any tax year?What has been the average annual return of the S&P 500, a good indicator of the performance of listed stocks that frequently make up mutual fund investments?Will my money always be protected by the FDIC up to 0,000?How much should I save for retirement?What is the length of time to maturity of typical municipal bonds?What are some macroeconomic factors that might influence the growth of a stock's price?What are some important steps to take when considering investing in a closed-ended fund?In what types of commercial properties might a REIT invest?How do I begin to select individual stocks that would interest a child?So wealth creation is really about my thoughts?What are four reasons why long-term investing may be diminishing?How does technical analysis work?How many new businesses are created every month in the United States?What future trend can we see in the near term about the cost for discount brokers?Do I have to select a 529 Plan in the state in which I live?Where is the most expensive place to rent in the United States?What is a "style box"?How do I begin to set my investment goals?Why do some people prefer to buy individual stocks, instead of purchasing an index fund or a mutual fund?What about corporate governance issues? What role do they play in socially responsible investing?How do employers react to rate increases by medical insurance companies?What are some typical allocations of investment portfolios as we near retirement?Does it matter to lenders how large a down payment I will require?What do people do with their IRAs after they retire, when they begin to access their holdings?What is "zero-based" budgeting?What are some common mistakes investors make when thinking of buying stocks?How can I protect myself from fraud when I am considering investing in a mutual fund?What is the main purpose of using ROI calculations or techniques?What is the earliest age that I should begin to introduce financial concepts to young children?How does creating specific investment goals help me achieve my overall goals?EXCHANGE-TRADED FUNDS What percentage of card holders are more than 60 days delinquent on their credit cards?What percentage of economic users online use the Internet to find information to protect their personal finances?Why is there a difference in price from the time that I want to buy or sell a stock and the time that I actually buy or sell that stock?Why is Return on Investment an essential measurement standard for businesses?What is an interesting strategy when it comes to investing in actively managed funds and passively managed index funds?What if I want to buy or sell a stock after regular market hours?Why is it important to use allowances to teach older kids proper financial management?What is an "LLC"?What does the phrase "past performance is no indication of future performance" mean?Why do experts at JPMorgan Chase feel that art as an investment may offer good, uncorrelated returns over a long term?What is "investing"?Which major cities have the highest local taxes on capital gains?What are some other mistakes that investors make?What are some other keys that may assist me in establishing investment goals?Why is prepaying tuition such a great deal?Why invest in gold?What types of corporations does the IRS recognize?How is the CPI created?What about the financial planner's approach? Should it be aggressive or conservative?Which performs better, stocks or bonds?What are some of the key organizations that generate influential economic research?Why is it important for me to set an example for my children about how to value money and investing?What can I discover from U.S. Census data that supports demand for rental housing?How can I check the disciplinary history of a potential financial adviser?What are "comparables"?Why do ETFs experience volatility in prices and liquidity?What percentage of American households lack an emergency fund with enough cash to cover three months of living expenses?Why are some mutual funds more tax efficient than others?What do the rankings of online brokerage firms really mean?What is a "home equity conversion mortgage"?What is the difference between "investing" and "speculating"?What percentage of mutual fund assets is typically invested in each mutual fund category by American families?How much is tuition increasing?What are "Small Business Administration loans"?Why would I consider a moderately conservative allocation mix in my retirement portfolio?In the period 2008-2010, how many funds that SPIVA tracks either liquidated or were merged?What about buying in a down market?What are some other reasons why a small business might fail?Who guarantees these short-term loans?How do I purchase shares in an ETF?How many individual stocks must I own to have enough diversification against unsystematic risk?How can I use comps to negotiate a better house price?HOME OWNERSHIP AS AN INVESTMENTWhat are the statutory amounts?What types of events may qualify as "immediate and heavy financial needs"?What about buying houses in "up-and-coming" locations?How do small businesses use loans to finance their operations?What is a benefit to me when I retire?What are some other notable dates in NYSE history?Why are home equity loans desirable to homeowners?How do closed-ended funds differ from exchange traded funds?How is simplification an important aspect of investing in no-load mutual funds?What is the "KLD 400 Social Index"?How much credit card debt exists in the United States?How is a mutual fund priced?What kind of expenses can I try to reduce before I retire?What tax advantages does home ownership provide?Which states' residents create the most capital gains from their investments?What is the main purpose of life stage investments?What is a "Roth IRA"?Should I consider selling my home during a down market?Do brokers have any obligation to monitor the performance of investments they sell?How many countries have stock markets?How sizable an effect does commercial real estate development have on the U.S. economy?Do I need to file my state income tax each year?Why should I care about IPOs?What are some considerations I should think about before investing in real estate?Why do mortgage companies, banks, and finance companies require homeowner's insurance?Must I pay taxes on my investments held within my 401 (k) or retirement plan?Why else is cash important to my portfolio as an individual investor?Why else are the NAPFA standards so high?At what rate are people retiring in the United States?What should I look for in deciding which homeowners' insurance company to use?What are some of the newest entries in the Dow?What is a "long position"?What other costs should I include when computing my return on an investment?Are there any deductions I may take that help me with my yearly state income taxes?What is an "overdraft"?Why is longevity risk an important consideration when I consider the asset allocation of my retirement portfolio?What is a "bond"?Why do some experts believe in investing in indexes instead of investing in individual stocks?What are the main markets that make up our economic system?There is so much information online. How do I choose what to read?Where do people who do not use banks obtain cash?Who are the financial information seekers online?Is your money safe in bonds?Can you invest in bonds through mutual funds?How else can I teach my child about money?How do companies use the proceeds of a stock issue?What is the progression of risk, from low to high, among different classes of investments?What does the Securities and Exchange Commission recommend investors do when considering investments in mutual funds?How does the performance of collectible art compare to other investments over time?What are seven factors to consider before investing?What is a "margin"?What is a "bear market"?How else do I use the Dow in order to analyze my portfolio?What are typical expense ratios of mutual funds?RATINGS COMPANIES Does the IRS give special tax exemptions to people who use the savings bonds to fund educational endeavors?Can I deduct expenses related to my investment income?How much do American credit union members benefit from higher savings interest rates, lower interest rates on loans, and other lower fees?What is a PLUS Loan for Parents?How does credit card debt affect older Americans?INVESTING IN CASHHow do I use beta to analyze an investment choice?What if I have had some unusual expenses that make my ability to pay for my child's education more difficult?What is an "option"?Why do people spend down their savings?How can potential investors evaluate risks?What percentage of renters are uninsured?PRICE/EARNINGS RATIOS AND OTHER CALCULATIONSWhat are some key metrics that a small business owner should analyze to grow his business?How much money may I borrow under the Stafford Loan Program?In what kind of investments do hedge funds invest?How do I determine the market price of a house?STATE TAXESHow can I calculate how much credit card debt I can afford?How should I choose a lender?What are some disadvantages to investing in a single-family house for rental purposes?What are some general factors that might be interesting to use while I evaluate a stock?What is "mortgage insurance"?How many index funds exist?How do self-employed business owners pay their income taxes?Why do bear markets happen?What is the basis of our financial markets?What is a "flexible spending account"?What is the percentage of households that owned their own homes?What about great deals on newly created subdivisions?What does my house insurance policy cover?Are municipal bond defaults rising?What is another factor leading to more demand for rental housing?How often should I check or analyze my portfolio to make sure it is properly allocated?What are some other important considerations when evaluating closed-ended funds?What are the requirements to obtain a reverse mortgage?What are "certificates of deposit"?What happens with my taxes if I fail to report foreign financial assets?What types of loans does the SBA offer?What kind of research do I need to do before investing?What percentage of small businesses in the United States are actually home-based businesses?What types of programs are available to help fund my child's education?What are four concepts that will help older kids increase their financial literacy?How does a company become classified as a real estate investment trust in the United States?What about mutual funds?What does it cost to attend a degree-granting college or university today?How will the use of software help individual investors to analyze their portfolios?How well has the Dow performed since it began?What else can affect the price of gold?How many entrepreneurs exist in the United States?When did The Wall Street Journal begin to publish a Dow Jones Industrial Average?How do professional investors feel about risk?Even given the many choices of online brokerages, how do we decide which firm is best to use?What are some examples of risks?Should I sell my house before getting a loan for my next home purchase?What if I don't want to tie up my child's educational savings in the stock market?How does CPI affect the investing community?Should I actually purchase the shares of these companies, or just monitor the prices of the shares, and show these price movements hypothetically?What is the typical organization of a fund?What does the phrase "living beneath your means" mean?What percentage of world gold sales comes by way of investments?After I have identified the names of the companies my child might be interested in acquiring, what is the next step?What are the different ways to invest in gold?How has SRI generally changed other areas of investing?If interest rates increase, does this harm bank stocks and financial sector stocks?Why do some people favor term life insurance policies?How many of them are actually certified?Can adding just a few hundred dollars to my mortgage payment help to reduce my debt?How do I determine my tolerance to risk?Who regulates money market funds?What is a conflict of interest in financial planning?When should I rebalance my portfolio?Does the size of the companies that compose a mutual fund portfolio really matter when deciding what type of mutual fund to purchase?Why should I consider using a moderate portfolio allocation for my retirement investments?What are "lagging indicators"?How do real estate agents work?How do I know how much to put down on a house?What are some other findings from the Dough Main study?Why are companies removed from the list of companies on the Dow?How much did real estate prices decline between 2006 and 2009?What happens when bond yields for short-term maturities are higher than their long- or intermediate-term counterparts?Where is platinum used, besides in making jewelry?How long does a bull market last?What is the biggest change with regard to paying taxes when I enter retirement?Why is this a good time to consider investing in real estate?What is a "capitalization-weighted" index?How big is the SPDR Gold Shares ETF?What are the interest rates for these subsidized and unsubsidized loans?When computing potential returns on investments in real estate, with what assumptions should I be concerned?How and when do I get paid my interest on a certificate of deposit?How do I purchase a company's shares directly from the company, rather than using a broker?What percentage of workers earn retirement benefits at work?What is the Uniform Transfers to Minors Act (UTMA)?What are some basic assumptions employed when using fundamental analysis?What does "living within your means" mean?What are other considerations or requirements to obtain a home equity loan?How does a mutual fund make money?THE BASICS How many private equity deals in the information industry alone happened in 2013?Why is diversification necessary?What percentage of employees actively trade or manage their retirement funds?What is the cost method of calculating ROI on a real estate transaction?What is one of the most important lessons I need to teach my children for them to incorporate investing ideas into their own lives?Why do so many older Americans start businesses?Should I include gold as part of my investment portfolio in the form of mutual funds?What is the vacancy rate for rental housing in the United States?What are some of the most important things you can do to prepare your home for sale?How do I find out if a company is publicly traded?CREDIT PROBLEMSMANAGING DEBT What is "investment fraud"?How do I know which bond investments are riskier than others?What states have the highest rate of foreclosure?What happens to the expense ratio if a mutual fund is small or new?What is the most important consideration before deciding to invest?What is an example of socially responsible investing having an effect on changing a society?THE BASICS What does FINRA recommend that I do in order to begin investing?What are a few examples of coins as investment vehicles?What countries are having major debt problems, making investments there relatively riskier?After a market correction, what attitudes of individual investors seem to be apparent?What federal tax form must I use to claim state income tax deductions?How can I determine if my financial planner has a criminal history?What is the "Federal Funds Interest Rate"?What is a "commodity"?What is a participant-directed 401 (k) plan?How does the movement of prices in stocks that compose the Dow Jones Industrial Average indicate movement in the price of my stock?What is an "unsecured bond"?What is the minimum amount I need to open a credit union account?How do I check the credibility of a debt consolidation company?What kinds of information can I find by using the U.S. Securities and Exchange Commission (SEC) website?How has the Bureau of Labor Statistics revised its calculations, given the changes in methodology, to arrive at the CPI figures we see today?What are some of the most U.S. important markets for futures and options trading?What is "renters' insurance" or "tenants' insurance"?What is a front-end ratio?SAVING FOR EDUCATION What are "socially responsible investments"?What are some problems with money market funds?What are the minimum investment requirements if I am interested in investing in U.S.Treasury securities?How successfully do small businesses create jobs?What does "pre-tax dollars" mean?What are the two major stock exchanges?What is a "price/earnings to growth ratio"?Why is location so important?What is a "SARSEP IRA"?How do I begin to save for retirement?What are some typical types of real estate investments?Why are these indicators so important to the general understanding of financial markets?How long does it take for a home to be foreclosed?Is there a difference in how long- and short-term gains are treated on my taxes?What types of factors affect my ability to execute a trade when I want?What are some interesting websites that parents may use to help educate their children about financial literacy?INVESTING RISKSWhat does the expression "priced to sell" mean?What is a "cyclical investment"?What is the average five-year cumulative default rate for investment-grade municipal bonds?How volatile are the returns generated by art as an investment?What is the difference between a debit card and a credit card?Should I ask my friends for referrals when identifying a potential planner?Why is risk a standard deviation?Does the stock market ever close?Where can I find information to analyze a potential target company?BETAWhat is the median retirement savings balance for people ten years away from retirement?What financial goal does the typical investor in mutual funds desire when making an investment?BANKS AND CREDIT UNIONS Is there such a thing as a risk-free mutual fund?What are some more typical reasons why small businesses fail?What is the frequency of 401 (k) distributions?What is "laddering"?THE BASICSWhat else affects the price of a stock?What are some limiting factors in using risk/reward ratios?What else does the FDIC do?What percentage of Americans are covered by some type of life insurance?Why are index funds attractive to many investors?What about all my clutter?What are some key methods to evaluate a target company?What is "concentration"?MUTUAL FUNDSWhat is "private" about private equity investments?OWNING VERSUS RENTINGHow many small businesses exist in the United States?Why is timing my cash inflows and outflows critical to analyzing and ultimately investing in commercial real estate?Just how small is America's small business?Can I work anywhere in a work-study program?What are "growth stocks"?What else should I do if I stay in my home during a down market?At what age do people typically purchase life insurance?Why is a Form ADV important?IRAsWhat are some important points to know when I invest in stocks?Why do prices of art and antiques vary so widely?Do people in their twenties manage their 401 (k) portfolios the same way as people in their sixties?How do I join a credit union?What questions should I ask myself before I invest in real estate?Do I have the right to appeal my city tax assessment?What is "total return"?If bonds can be so speculative, how can bond markets and bond buyers know the worthiness of their investment?GlossaryWhy can a home equity loan be dangerous for homeowners?What is the "spot market"?My financial adviser mentioned that he is a fiduciary. What does this mean?Can I deduct expenses to offset taxes if I own my own company?When do I pay my property taxes?How many people risk home foreclosure?How important is experience in identifying a financial planner?What is the problem with speculating?What are the most important components to my retirement income that will allow me to enjoy a good retirement?What are the different categories of the term or maturity of bonds?What percentage of 401 (k) assets are in mutual funds?How does increasing my down payment help protect me from going "underwater"?SMALL BUSINESS TAXESWhat is the first step in teaching my children about money?What are some of the main reasons why investors include corporate bonds within their portfolio?What is a "mortgage"?What states have no sales tax?What types of mutual funds exist?What are typical cash outflows in a commercial real estate investment?What are some differences between investing in a rental home and investing in a rental apartment complex?What is "vesting"?What are some important economic concepts that may affect bonds and stock prices at the macroeconomic level?On average, how much money do new companies require to start their operations and activities?Why should I use a fee-only financial planner?Why is the allocation or mix of my investments so important to me as I near retirement?What other major concern might investors have while investing in socially responsible funds?How important is the place where you live influencing your perception of wealth?What is a "down payment"?What are some important IRS forms that I should know when I am managing the tax implications of my investments?What are general guidelines for down payments?How much should I save for my retirement?What is the median age of the owner of mutual fund shares?How can I find out if I am dealing with a legitimate insurance company?Why is attaining great financial goals easier than we think?Can I ask the potential planner if he or his firm has ever been involved in any litigation or disciplinary action?Is an SBA loan a commercial loan?What are some steps to establishing the right goals for investing?Why should I invest my money?How do financial planners receive compensation?In the most simplistic terms, what is the proper allocation for my retirement portfolio?How do mutual funds justify high fees and expenses?According to the IRS, what is a "capital asset"?What is the future of sustainable investing (investing in businesses that take into account social factors, clean energy, and corporate governance)?What will the former owner of the company typically do with the cash received from the transaction?So how does this understanding translate to their investment behavior?At different ages, what should I do to help fund my retirement and other savings goals, such as acquiring my first house, car, etc.?HEDGE FUNDS What types of educational grants are available?What is a "collective investment fund vehicle"?What is a "multiple"?In what ways are participant-directed 401 (k) plans more choice-centered?Can anyone advise me on trading commodity futures?Are money market funds a safe way to invest cash?What are some trends that indicate a changing international landscape for investors?What percentage of people are not likely to withdraw funds from an IRA before age 70V*?What is a "home equity line of credit" (HELOC)?What other types of macroeconomic variables might a potential investor use to evaluate the success of a downtown Los Angeles real estate development, such as the example above?Why do some experts believe owning a second home may not be a relatively good investment?If I use an adviser, does it mean I don't need to learn about investment options?What are some disadvantages to investing in an index fund?Who are these business creators?What else is private equity?Why pay off the balance each month?How does Forbes characterize the difference between investing and speculation?Who created the DJIA?How is beta analysis misused or misinterpreted?What types of goals should I consider before I begin to invest?What is a "coupon payment"?What about the liquidity of a potential real estate deal?What is the effective tax rate for a small business?Why does investing require a specific mindset, so that I may be prepared for the long road ahead of me?What types of 529 Plans are available?What types of deductions will the IRS not allow on IRS Form 1040, Schedule A?How do I compare the yields of tax-exempt investments and their taxable investment equivalents?What about the success of high-performing stocks?How do companies use private equity investments to improve their financial picture?What is another form of sustainable or socially responsible investing?What is an adjustable-rate mortgage (ARM)?What are some important stock market indexes that I should consider when I am investing, and why?What is the most widely used legal form of corporate organization for firms that employ people?What do experts at CNBC feel are benefits to art and antiques as investments?What is the purpose of a futures exchange market?Will the growth of ETFs and index funds replace actively managed mutual funds?What are the two different categories of municipal securities in which I may invest?What if your potential home is in an area with only one major industry or employer?What is a "Chartered Financial Analyst" (CFA)?Is my money safe in a credit union?What are some steps in using a budget?Can I withdraw money from my 401 (k) before I retire?What is "permanent life insurance"?What is "EBITDA"?What is the next step to teaching a child about money?What is the biggest component of demand for gold?If I am self-employed, is there a similar program to save for retirement?What are four steps we can take to introduce investing concepts to children?In what other interesting types of commercial real estate might a REIT invest?How large an effect do small businesses have on borrowing in the United States?Why do account holders put their accounts in overdraft situations?What are some basic assumptions employed when using technical analysis?In order to understand the price changes of art, why can't we trust historical auction prices for art?What IRS form do I use to report dividend income from my investments?How do I begin setting up a brokerage account?Why else should I use an online bank?Why else should I have a portion of my portfolio in cash?What is "EBIT"?What is the second most important step to getting out of debt?What does FINRA do?FEDERAL TAXESHow are bond prices determined?What types of expenses are typically included in an expense ratio calculation?Do all states have sales taxes?What about sector/specialty funds?What is the "beta" of a stock or mutual fund?How many people have money saved in credit unions? Eighty-two million people regularly use credit unions to save.How expensive is renters' insurance?ASSESSING DEFAULT RISK ON BONDS What is the order of priority of payment during a bankruptcy or liquidation of a company or corporate entity?When did Real Estate Investment Trusts begin?What does my renters' or condo insurance cover?What percentage of closed-ended funds actually trade at a discount to their net asset value?What is the distinction between the different loan periods?What is a "tax-cost ratio"?What are some examples of typical cash investments?Why are front- and back-end ratios important?How many initial public offerings occur in a year?What are the different distinctions between stockbrokers?Will investment banks become deposit banks?What are some strategies I can employ that may help me reach my post-retirement income goals?How many small businesses exist in the United States?Which companies have been recently removed from the Index?What types of financial signs should I investigate?What types of questions might I ask a potential financial planner?What happens if the university runs out of campus-based aid funds?Who invests in mutual funds?What is a hidden cost involved in second home ownership?What are some other reasons to use credit unions?What is one limitation of the trend toward the emergence of similar individual investors and investment products located in other parts of the world?How important is the DJIA to the investment community?What does Warren Buffett think about teaching children about investing?Why would I consider a conservative approach to my retirement investment portfolio?What is "volatility"?What is a "margin account"?What is an "inspection"?What is a "premium"?What percentage of buyers ultimately pay cash to purchase an existing house?What are the largest stock markets in the world?What is a "virtual bank"?What is the average amount of student aid that students in undergraduate programs receive?How much money have credit unions lent to members in 2013?Why are ETFs attractive to some investors?According to the Visa International Financial Literacy Barometer 2012 survey how do Americans rank when it comes to financial literacy?What are the most popular sources of financial information?What are some examples of financial goals?What are "dividends"?What does the CFTC recommend I do to limit my exposure to fraud?Can I automatically invest in U.S. Savings Bonds using my IRS tax refund?Do tax-exempt investments pay more or less interest than taxable investments?How does the IRS treat the interest I receive on a corporate bond?How does the SBA assist small business owners?With today's paltry interest rates, will it not be hard for a child to see his money grow, even if he looks at a physical or online statement from a bank?What is a "bull market"?What types of taxes can cities impose?What is the general rule for obtaining a home loan?What is the "USSIF"?What are additional key metrics that require the focus of small business owners and investors?What other factors point to difficulties in the college rental market?How do I open an online account?What percentage of employed consumers own some form of disability insurance?What are some basic principles that the CFTC recommends I follow when I am beginning to invest in commodities and futures?What are some early steps I should consider before starting my own business?What are two of the oldest mutual funds?What are the top complaints individual investors make to the SEC?What is a "risk/return trade-off?"What are tax-free or tax-exempt bonds?Why else should I use a human broker instead of an online broker?What types of risk exist?How does the CFTC protect participants from fraud and abuse?How much does my ability to delay present gratification in favor of future gratification play in personal financial success?What are some other activities parents can do with their young children in order to teach them the value of money and investing concepts?What percentage of mutual fund assets are typically invested in cash by American families?What are the top financial websites that can help typical individual investors learn more about investing?Why do experts at feel that opening UTMA accounts may not be such a great idea?How is CPI data used in our economy?Can you buy too much insurance?INDIVIDUAL STOCKS: THE BASICS How many mutual funds exist?What is a "financial future"?How do I know how much insurance to buy?What is the Consumer Price Index (CPI)?BUSINESS INSURANCE What percentage of Americans have no savings at all?How much real estate do REITs control today?Why are there fewer potential buyers for houses today?What about all the foreclosed houses flooding the market?What is another way to encourage children to save money?Why is purchasing your employer's stock a risky investment?Why do companies have a vesting period?How much may an employee contribute to a Simple IRA?How are hedge funds different from other types of mutual funds?What are some of the most important metrics that measure the health or performance of a company, and ultimately its stock price?Why are money market funds attractive to investors?How many individual investors exist in the United States?What does the term "underwater on a mortgage" mean?What is a "Certified Fund Specialist" (CFS)?How do investors profit from owning shares in a REIT?What are the New York Stock Exchange's "circuit breaker" rules?SELECTING INDIVIDUAL STOCKSWhat are the two most important methods to analyze stocks?What is "contents insurance"?How much did the Dow fall at the onset of the Great Depression?How do I create a goal?What is a "short position"?What are some examples of typical investments that may yield capital gains and/or losses?How many types of Stafford Loans exist?What are the next steps to increase my available funds so that I may invest?Under what circumstances might I pay more in management fees or loads, instead of targeting lower-expense funds?What is "debt consolidation"?What does the FAFSA application cover?What is the difference between stockbrokers, accountants, and insurance brokers?In what other places is the demand for gold high?How may I investigate if a firm is legitimate and properly licensed to trade in futures?BONDSWhy do many small business owners struggle with financial management of their business, or pay little or no attention to it?What is "insider trading"?ROIs AND SMALL BUSINESSESWhat are some strategies to help me save money?How much money is now tied to socially responsible investing?RENTAL PROPERTIES What are some of the other key indexes in which to invest?What does the saying "If it sounds too good to be true, it probably is" mean?What are some further steps we must take in order to establish investment goals?What is a "credit union"?How is investing in cash different from other forms of investing?How does the financial aid actually come to me?What is "property tax"?MUNICIPAL BONDS UNIT INVESTMENT TRUSTS What other risks are inherent to individual stock or mutual fund investing?What is the average percentage of a typical American's gross income that is used for mortgage and consumer debt payments each month?What is a "level load"?What is "full employment"?
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